Mortgage and Home Equity Loan Rates-- Consumer Loan Rates -- Savings

MORTGAGE AND HOME EQUITY LOAN RATES
AS OF September 1, 2014
Rates are “as low as” for each loan category. The rate applicable for each borrower will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines. Rates which are expressed as Annual Percentage Rates(APR) are accurate as of the date shown above. Rates are subject to change without notice. U$X FCU Borrower Security is available at affordable group rates for Fixed and Variable interest rate home equity loans.
Mortgage Loans
- IMPORTANT INFORMATION -

U$X FCU is proud to offer our members a wide variety of home fiancing options. Let U$X FCU put your mind at ease
and help guide you through the home financing process. Click the link below to view our current interest rates.

U$X FCU Mortgage Center

Mortgage interest rates may change daily.
Fixed Rate Home Equity Loans
80% MAXIMUM (LTV) LOAN TO VALUE
FIRST LIEN POSITION
TERM
5 Year
7 Year
10 Year
12 Year
15 Year
20 Year
Loans $10,000 to $350,000
2.90% APR
3.40% APR
3.70% APR
3.90% APR
4.20% APR
4.40% APR
SECOND LIEN POSITION
TERM
5 Year
7 Year
10 Year
12 Year
15 Year
20 Year
Loans $10,000 to $49,999
4.30% APR
4.80% APR
5.10% APR
5.30% APR
5.60% APR
N/A
Loans $50,000 to $300,000
4.00% APR
4.50% APR
4.80% APR
5.00% APR
5.20% APR
N/A
Variable Rate Home Equity Line-of-Credit (HELOC) (1)
10 Year Draw Period
Introductory rate fixed at 2.00% APR for 12 months from loan closing date.
After introductory period, APR will be a variable rate as indicated below.
Plans
Plan 1 (1)
Plan 2 (1)
Plan 3 (1)
Plan 4 (1)
Maximum (LTV)Loan to Value
60%
70%
80%
90%
Adjustment to Index
Prime -1.0%
Prime -0.5%
Prime
Prime +1.0%
Annual Percentage Rate (APR)
4.00 %
4.00 %
4.00 %
4.25 %
Maximum Loan Amount
$250,000
$250,000
$250,000
$100,000

(1)These rates are adjusted on a quarterly basis and are indexed to Prime Rate as published in the WALL STREET JOURNAL (WSJ). Adjusted rate effective April 1, 2014, based on the WALL STREET JOURNAL Prime Rate (3.25%) as of March 20, 2014, in accordance with loan term. Maximum rate adjustment is 2% in a calendar year. Rate cannot go below 4.00%.

Minimum Real Estate secured loan amount $10,000.
Property must be owner occupied and primary residence located in Pennsylvania or Ohio.
Please call your local credit union office for current details

 

 
CONSUMER LOAN RATES
AS OF September 1, 2014
Rates which are expressed as Annual Percentage Rates (APR) are accurate as of the date shown above. Rates are subject to change without notice. Rates are “as low as” for each loan category. The rate applicable for each borrow will be based on their individual credit worthiness. All loan approvals are subject to normal loan underwriting guidelines. U$X FCU Borrower Security, GAP Protection and Mechanical Repair Coverage are available at affordable group rates.

New and Used Vehicles
2012, 2013, & 2014 Models

Standard Rate
APR

Discount (1) Rate
APR
MONTHLY PAYMENT (2) PER $1,000 Borrowed
Up to 48 months
2.80 %
1.80 %
$21.61
49 to 60 months
2.80 %
1.80 %
$17.45
61 to 72 months
3.70 %
2.70 %
$15.07
       
Used Vehicles
2009, 2010 & 2011 Model Years
Up to 48 months
4.80 %
3.80 %
$22.50
49 to 60 months
5.80 %
4.80 %
$18.79
       
Used Vehicles
2008 and Older
Up to 24 months
7.30 %
6.30 %
$44.47
25 to 48 months
8.80 %
7.80 %
24.33
 
Quads & Dirt Bikes
New: 1 to 60 months
8.50 %
7.50 %
$20.05
Used: 1 to 48 months
9.50 %
8.50 %
$24.66
Travel Trailers, Boats & Motor Homes
New up to 96 months
6.00 %
5.00 %
$12.67
Used up to 60 months
7.00 %
6.00 %
$19.34
Used 61 to 72 months
8.00 %
7.00 %
$17.06
DISCOUNTS
(1) Discounts available for U$X FCU Borrowers Security & loan values below 90%.
(2) Payment example assume all discounts applied and maximum loan term available.
LOAN VALUES
New Vehicle LOAN VALUE is MSRP
Used & Older Vehicle LOAN VALUE is the Retail value listed in the most recent NADA Used Vehicle Guide.
Quad, Dirt Bikes, Boats, Motor Homes & Travel
 
PLEDGE LOANS
Up to 60 Months
Share Pledge Loans   100 % secured loan at 2.5% APR over the then current APY of the deposit pledged as collateral for the term of the loan.
Stock Pledge Loans 6.5 % APR Up to 75 % approved stocks
PERSONAL/SIGNATURE LOANS
Up to 60 Months
9.50 % APR
$21.01
The maximum loan amount granted unsecured is dependent on borrowers credit worthiness and level of indebtedness.

 

SHARE AND CERTIFICATE ANNUAL PERCENTAGE YIELDS (APY)
AS OF September 1, 2014
APY
Regular Shares
0.10 %
IRA, Roth IRA and Coverdell Education Shares
0.10 %
Members Plus Checking
0.05 %
IMMA Shares
    Level 1 Balances under $9,999.99
0.15 %
    Level 2 Balances $10,000 to $24,999.99
0.25 %
    Level 3 Balances $25,000 to $49,999.99
0.30%
    Level 4 Balances $50,000 and over
0.30%
Term Share Certificates, Traditional IRA Certificates, Roth IRA and Coverdell Education Certificates:
 
MINIMUM DEPOSIT
 
$500
$10,000
$25,000
 
APY
APY
APY
    6 Month (Term Share Certificate Only)
0.150 %
0.20 %
0.25 %
    12 Month
0.200 %
0.25%
0.30 %
    24 Month
0.250 %
0.40 %
0.60 %
    36 Month
0.350 %
0.55 %
0.70%
    48 Month
0.450 %
0.65 %
1.00 %
    60 Month
0.550 %
1.00 %
1.25 %
Rates are subject to change or withdrawal without notice. Annual Percentage Yields (APYs) are accurate as of the date shown above.
Regular shares require a minimum deposit of $25. Dividends begin to accrue on all accounts indicated above on both cash and non-cash (e.g. checks) items from the date of deposit. Fees could reduce earnings. Share accounts closed before accrued dividends are credited to it will not be paid accrued dividends.
Members Plus Checking requires a $100 Deposit minimum at opening and a monthly average daily balance of $1,000 to avoid a $10 monthly account fee. Fees could reduce earnings.
Insured Money Management Accounts require an initial deposit of $10,000. Dividends are calculated from the Date of Deposit to the Date of Withdrawal and are compounded and credited monthly. Fees could reduce earnings.
Term Share Certificates (CDs) require a minimum deposit as indicated above. Fees could reduce earnings. There is a substantial penalty for early withdrawal from a share certificate. A 30 DAY INTEREST PENALTY applies to 6 Month CDs. A 90 DAY INTEREST PENALTY applies to all other CDs.
Exceptions from the early withdrawal penalty include:
*Account owner dies or is declared legally incompetent
*IRA accounts where the owner is 59 1/2 or older or permanently disabled
All Annual Percentage Yields (APYs) are based on monthly compounding and crediting of dividends. Dividends must remain on deposit for the entire term in order to earn the stated APY. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. U$X Federal Credit Union membership is required.
Funds are insured to $250,000 and tax deferred deposits to $250,000 by the National Credit Union Share Insurance Fund. Accounts can be structured to provide higher levels of Federal Insurance depending on a member's financial situation. Current rates can be obtained by calling 1-888-219-3159.

 

VISA® Credit Card Rates as of
September 1, 2014

Annual Percentage Rate
on Purchases And Cash Advances

Rate Information & No Interest Period

 

Fees
VISA PLATINUM
9.90% to 15.90%
Fixed APR for 24 months after card issued
No Variable Rate
23 Day No Interest Period
No Balance Transfer Fee
No Cash Advance Fee

Annual Fee: None
Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Merchant Draft Copy: $10.00
Card Replacement: $10.00
International Transaction Fee: With currency conversion 1%, without 0.8%

VISA GOLD
17.90%

No Variable Rate
23 Day No Interest Period
No Balance Transfer Fee
No Cash Advance Fee

Annual Fee: $50.00
Late Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Returned Payment: $25.00 or $35.00 for a subsequent violation during the next six (6) billing cycles.
Merchant Draft Copy: $10.00
Card Replacement: $10.00
International Transaction Fee: With currency conversion 1%, without 0.8%

How to avoid paying interest on purchases: Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Finance charge on cash advances and balance transfers will begin on the transacton date.

To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Finance Protection Bureau at: http://www.consumerfinance.gov/learnmore/
VISA Disclosure: Before 9/1/2011 - After 9/1/2011

 

 

 

 

Your savings are federally insured up to $250,000 Federally Insured
by NCUA

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